Oakgrove Commerce
Sampleoakgrove.shop·E-commerce (DTC retail)·30–50 employees·$5M–$15M·US
Quote ID: qt_bacc279f
Coverage: $250,000 · Retention: $25,000 · Term: 12 months
EXPECTED ANNUAL LOSS (P50)
$77K
31.00% of coverage limit
TAIL LOSS (P99)
$1.03M
410.65% of coverage limit · near limit
POSTURE COMPOSITE
76 / 100
Industry avg: 71
Loss Distribution
ⓘ| Quantile | Annual Loss | vs Coverage |
|---|---|---|
| P10 | $18,668 | 7.47% |
| P25 | $36,638 | 14.66% |
| P50 | $77,498 | 31.00% |
| P75 | $163,924 | 65.57% |
| P90 | $321,726 | 128.69% |
| P99 | $1,026,619 | 410.65% |
| Mean | $143,604 | 57.44% |
| Std Dev | $224,022 | — |
| CV | 1.56 | — |
Risk Drivers · SHAP Attribution
Underwriting Decision
REFERRefer to senior underwriter
P99 tail loss approaches coverage limit (410.6%). Frequency-severity profile suggests refer to senior underwriter.
Suggested actions
Reduce limit to 0M
Brings P99 ratio to ~50%
Expected loss ratio: 14.2%
Add $100K retention floor
Reduces P50 by 18%
Customer responsibility: $100K
Require critical-CVE remediation
Eliminates 12-18% expected loss
Monthly automated rescans
Outside-In Posture
78
TLS ConfigurationA-
Security HeadersA-
DNS HygieneB+
Certificate HealthA-
Attack Surface
74
Exposed Services3within range
Known CVEs20 critical
Subdomain Sprawl21minimal
Shadow IT2flagged services
Exposure History
76
HIBP Records1vendor breach
Last Incident—vendor-side breach
Credential Exposures14emails leaked
Industry Frequency0.84/yrslightly elevated
Tech Stack
ⓘShopifyCloudflareStripeKlaviyo